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New Jersey & New York Closing Cost Calculator

New Jersey requires an attorney at closing, which is a line item most states do not have. Transfer tax: 0.40%.

New Jersey, New York share this page. Their rules produce the same answer to within a rounding difference, so publishing separate near-identical pages would add URLs without adding information. Every figure below applies to all 2.

New Jersey closing cost estimator

New Jersey requires an attorney at closing, which is a line item most states do not have. Transfer tax: 0.40%.

Estimated closing costs —
Transfer tax —
Title insurance —
Attorney —

New Jersey at a glance

FigureNew JerseySource
State transfer tax rate0.40%[2]
Attorney required at closingYes[2]
Typical total closing cost3.50%[2]
On the median home$20,475[1]

[2] [1] Sources

Typical closing cost — all 50 states

New Jersey highlighted. Same data as the table below, shown as a distribution so the comparison is visible at a glance.

Typical closing cost — all 50 states. New Jersey is 3.50%, ranked 3 of 50. The national median is 2.70%, the highest is 3.80% (New York), and the lowest is 2.00% (California). NY 3.80% DE 3.50% NJ 3.50% MD 3.20% PA 3.20% VT 3.20% CT 3.10% IL 3.00% ME 3.00% MA 3.00% NH 3.00% RI 3.00% AK 2.80% GA 2.80% IA 2.80% LA 2.80% MI 2.80% WV 2.80% WI 2.80% AR 2.70% KY 2.70% MN 2.70% NE 2.70% OH 2.70% SC 2.70% VA 2.70% KS 2.60% MS 2.60% SD 2.60% TN 2.60% AL 2.50% FL 2.50% HI 2.50% IN 2.50% MO 2.50% NM 2.50% NC 2.50% ND 2.50% OK 2.50% TX 2.50% WA 2.50% MT 2.40% OR 2.40% AZ 2.30% ID 2.30% NV 2.30% UT 2.30% WY 2.30% CO 2.20% CA 2.00%

Highlighted: New Jersey, ranked 3 of 50. Median 2.70%.

New Jersey closing costs by price and side

Buyer and seller totals, including New Jersey's 0.40% transfer tax.

Purchase priceBuyer totalSeller totalTransfer tax
$100,000$2,750$2,450$400
$150,000$3,450$3,000$600
$175,000$3,800$3,275$700
$200,000$4,150$3,550$800
$225,000$4,500$3,825$900
$250,000$4,850$4,100$1,000
$300,000$5,550$4,650$1,200
$350,000$6,250$5,200$1,400
$400,000$6,950$5,750$1,600
$450,000$7,650$6,300$1,800
$500,000$8,350$6,850$2,000
$600,000$9,750$7,950$2,400
$700,000$11,150$9,050$2,800
$800,000$12,550$10,150$3,200
$950,000$14,650$11,800$3,800
$1,100,000$16,750$13,450$4,400
$1,300,000$19,550$15,650$5,200
$1,600,000$23,750$18,950$6,400

Worked figures for New Jersey

New Jersey values:

PriceBuyerSellerTransfer
$150,000$3,450$3,000$600
$200,000$4,150$3,550$800
$250,000$4,850$4,100$1,000
$300,000$5,550$4,650$1,200
$400,000$6,950$5,750$1,600
$500,000$8,350$6,850$2,000
$600,000$9,750$7,950$2,400
$750,000$11,850$9,600$3,000
$900,000$13,950$11,250$3,600
$1,200,000$18,150$14,550$4,800

How New Jersey compares nationally

On typical closing cost, New Jersey ranks #3 of 50 at 3.50% — 30% above the median of 2.70%. The national range runs from 2.00% (California) to 3.80% (New York).

RankStateTypical closing cost
#1New York3.80%
#2Delaware3.50%
#3New Jersey3.50%
#4Maryland3.20%
#5Pennsylvania3.20%

Attorney closing states, ranked

Same rule structure as New Jersey:

StateTypical closing costvs New Jersey
New Jersey3.50%—
Connecticut3.10%-11.4%
Maine3.00%-14.3%
Georgia2.80%-20.0%
West Virginia2.80%-20.0%
South Carolina2.70%-22.9%
Mississippi2.60%-25.7%
North Carolina2.50%-28.6%

New Jersey questions, answered with New Jersey numbers

What are buyer closing costs in New Jersey?▾
On New Jersey's median home price of $585,000, expect roughly $9,540 as a buyer, including about $1,200 in attorney fees that New Jersey requires.
What does the seller pay in New Jersey?▾
About $7,785 on the median home, of which $2,340 is New Jersey's 0.40% transfer tax.
Do I need an attorney to close in New Jersey?▾
Yes. New Jersey requires an attorney at closing, typically $1,200, a cost buyers in title-company states do not have.

Other attorney closing states

Connecticut Georgia Maine Mississippi North Carolina South Carolina West Virginia

Last reviewed 2026-08-26. New Jersey figures only — verify with the relevant New Jersey agency before acting. How this is calculated.